COLUMN 1 | COLUMN 2 | COLUMN 3 | COLUMN 4 | COLUMN 5 | COLUMN 6 | COLUMN 7 | COLUMN 8 |
| | | VALUE | SHRS OR | SH/ | PUT/ | INVESTMENT | OTHER | VOTING AUTHORITY |
NAME OF ISSUER | TITLE OF CLASS | CUSIP | (x$1000) | PRN AMT | PRN | CALL | DISCRETION | MANAGER | SOLE | SHARED | NONE |
ALCON INC | COM | H01301128 | 688,315 | 8,811 | SH | | SOLE | | 0 | 0 | 8,811 |
ACCENTURE PLC CL A | COM | G1151C101 | 861,133 | 2,454 | SH | | SOLE | | 0 | 0 | 2,454 |
WELLS FARGO CO | COM | 949746101 | 1,731,609 | 35,181 | SH | | SOLE | | 0 | 0 | 35,181 |
VISA INC | COM | 92826C839 | 652,437 | 2,506 | SH | | SOLE | | 0 | 0 | 2,506 |
VANGUARD TOTAL STOCK MARKET ETF | COM | 922908769 | 3,009,473 | 12,686 | SH | | SOLE | | 0 | 0 | 12,686 |
VANGUARD VALUE ETF | COM | 922908744 | 3,222,475 | 21,555 | SH | | SOLE | | 0 | 0 | 21,555 |
VANGUARD MID CAP ETF | COM | 922908629 | 865,886 | 3,722 | SH | | SOLE | | 0 | 0 | 3,722 |
VANGUARD SMALL CAP VALUE ETF | COM | 922908611 | 24,126,383 | 134,058 | SH | | SOLE | | 0 | 0 | 134,058 |
VANGUARD REAL ESTATE ETF | COM | 922908553 | 5,631,003 | 63,728 | SH | | SOLE | | 0 | 0 | 63,728 |
VANGUARD MID CAP VALUE ETF | COM | 922908512 | 35,560,572 | 245,228 | SH | | SOLE | | 0 | 0 | 245,228 |
VANGUARD S&P 500 ETF | COM | 922908363 | 7,121,897 | 16,305 | SH | | SOLE | | 0 | 0 | 16,305 |
VANGUARD SHORT GOVT BOND IDX ETF | COM | 92206C102 | 3,890,786 | 66,703 | SH | | SOLE | | 0 | 0 | 66,703 |
VANGUARD INFO TECHNOLOGY ETF | COM | 92204A702 | 32,148,868 | 66,423 | SH | | SOLE | | 0 | 0 | 66,423 |
VANGUARD HEALTH CARE ETF | COM | 92204A504 | 18,153,062 | 72,410 | SH | | SOLE | | 0 | 0 | 72,410 |
VANGUARD CONSUMER STAPLES ETF | COM | 92204A207 | 20,151,498 | 105,527 | SH | | SOLE | | 0 | 0 | 105,527 |
VANGUARD FTSE EMERGING MARKET ETF | COM | 922042858 | 21,531,625 | 523,884 | SH | | SOLE | | 0 | 0 | 523,884 |
VANGUARD GLOBAL EX-US REAL ESTATE ETF | COM | 922042676 | 4,100,837 | 96,286 | SH | | SOLE | | 0 | 0 | 96,286 |
VANGUARD TOTAL INTERNATIONAL BOND ETF | COM | 92203J407 | 27,839,973 | 563,962 | SH | | SOLE | | 0 | 0 | 563,962 |
VANGUARD SHORT INFLATION-PROTECTED ETF | COM | 922020805 | 28,775,648 | 605,931 | SH | | SOLE | | 0 | 0 | 605,931 |
VANGUARD EMERGING MARKET GOVT BOND ETF | COM | 921946885 | 15,614,766 | 244,938 | SH | | SOLE | | 0 | 0 | 244,938 |
VANGUARD DEVELOPED MARKETS IDX ETF | COM | 921943858 | 211,986 | 4,426 | SH | | SOLE | | 0 | 0 | 4,426 |
VANGUARD TOTAL BOND MARKET ETF | COM | 921937835 | 1,548,480 | 21,053 | SH | | SOLE | | 0 | 0 | 21,053 |
VF CORPORATION | COM | 918204108 | 282,827 | 15,044 | SH | | SOLE | | 0 | 0 | 15,044 |
UNITEDHEALTH GROUP INC | COM | 91324P102 | 805,499 | 1,530 | SH | | SOLE | | 0 | 0 | 1,530 |
UNION PACIFIC CORP | COM | 907818108 | 460,046 | 1,873 | SH | | SOLE | | 0 | 0 | 1,873 |
TRUIST FINANCIAL CORP | COM | 89832Q109 | 1,554,000 | 42,091 | SH | | SOLE | | 0 | 0 | 42,091 |
TEXAS INSTRUMENTS INC | COM | 882508104 | 528,085 | 3,098 | SH | | SOLE | | 0 | 0 | 3,098 |
TESLA MOTORS INC | COM | 88160R101 | 222,887 | 897 | SH | | SOLE | | 0 | 0 | 897 |
SMITH & NEPHEW ADR NEW | COM | 83175M205 | 386,639 | 14,173 | SH | | SOLE | | 0 | 0 | 14,173 |
SCHWAB US TIPS ETF | COM | 808524870 | 11,767,603 | 225,433 | SH | | SOLE | | 0 | 0 | 225,433 |
SCHWAB SHORT TERM US TREASURY | COM | 808524862 | 14,100,985 | 291,042 | SH | | SOLE | | 0 | 0 | 291,042 |
SCHWAB US REIT ETF | COM | 808524847 | 371,745 | 17,950 | SH | | SOLE | | 0 | 0 | 17,950 |
SCHWAB US AGGREGATE BOND ETF | COM | 808524839 | 6,386,660 | 136,994 | SH | | SOLE | | 0 | 0 | 136,994 |
SCHWAB EMERGING MARKET EQUITY ETF | COM | 808524706 | 7,407,226 | 298,799 | SH | | SOLE | | 0 | 0 | 298,799 |
SCHWAB US LARGE CAP VALUE ETF | COM | 808524409 | 573,348 | 8,179 | SH | | SOLE | | 0 | 0 | 8,179 |
SCHWAB US LARGE CAP GROWTH ETF | COM | 808524300 | 1,232,288 | 14,854 | SH | | SOLE | | 0 | 0 | 14,854 |
SPDR USA STRATEGIC FACTORS | COM | 78468R812 | 7,979,748 | 60,398 | SH | | SOLE | | 0 | 0 | 60,398 |
SPDR S&P BIOTECH ETF | COM | 78464A870 | 6,122,883 | 68,573 | SH | | SOLE | | 0 | 0 | 68,573 |
SPDR S&P 400 MID CAP VALUE ETF | COM | 78464A839 | 5,759,817 | 78,493 | SH | | SOLE | | 0 | 0 | 78,493 |
SPDR S&P 600 SMALL CAP VALUE ETF | COM | 78464A300 | 3,306,741 | 39,692 | SH | | SOLE | | 0 | 0 | 39,692 |
SPDR S&P 500 ETF | COM | 78462F103 | 548,291 | 1,154 | SH | | SOLE | | 0 | 0 | 1,154 |
PROCTER & GAMBLE CO | COM | 742718109 | 371,479 | 2,535 | SH | | SOLE | | 0 | 0 | 2,535 |
NOVO NORDISK A/S ADR | COM | 670100205 | 1,794,237 | 17,344 | SH | | SOLE | | 0 | 0 | 17,344 |
NOVARTIS A G SPON ADR | COM | 66987V109 | 763,636 | 7,563 | SH | | SOLE | | 0 | 0 | 7,563 |
NORFOLK SOUTHERN CORP | COM | 655844108 | 236,144 | 999 | SH | | SOLE | | 0 | 0 | 999 |
NERDY INC | COM | 64081V109 | 85,750 | 25,000 | SH | | SOLE | | 0 | 0 | 25,000 |
NATL BANKSHARES INC | COM | 634865109 | 491,946 | 15,207 | SH | | SOLE | | 0 | 0 | 15,207 |
N V R INC | COM | 62944T105 | 399,026 | 57 | SH | | SOLE | | 0 | 0 | 57 |
MICROSOFT | COM | 594918104 | 1,711,823 | 4,552 | SH | | SOLE | | 0 | 0 | 4,552 |
MCKESSON HBOC INC | COM | 58155Q103 | 430,297 | 929 | SH | | SOLE | | 0 | 0 | 929 |
MC DONALDS CORP | COM | 580135101 | 577,089 | 1,946 | SH | | SOLE | | 0 | 0 | 1,946 |
LOCKHEED MARTIN CORP | COM | 539830109 | 347,182 | 766 | SH | | SOLE | | 0 | 0 | 766 |
JOHNSON & JOHNSON | COM | 478160104 | 410,796 | 2,621 | SH | | SOLE | | 0 | 0 | 2,621 |
JP MORGAN CHASE & CO | COM | 46625H100 | 418,446 | 2,460 | SH | | SOLE | | 0 | 0 | 2,460 |
ISHARES MSCI DENMARK ETF | COM | 46429B523 | 7,839,173 | 69,899 | SH | | SOLE | | 0 | 0 | 69,899 |
ISHARES MSCI FINLAND ETF | COM | 46429B515 | 8,481,447 | 236,909 | SH | | SOLE | | 0 | 0 | 236,909 |
ISHARES MSCI IRELAND CAPPED ETF | COM | 46429B507 | 8,872,395 | 145,136 | SH | | SOLE | | 0 | 0 | 145,136 |
ISHARES MSCI NEW ZEALAND | COM | 464289123 | 9,187,674 | 189,456 | SH | | SOLE | | 0 | 0 | 189,456 |
ISHARES RUSSELL 2000 VALUE | COM | 464287630 | 366,268 | 2,358 | SH | | SOLE | | 0 | 0 | 2,358 |
ISHARES NASDAQ BIOTECHNOLOGY | COM | 464287556 | 427,655 | 3,148 | SH | | SOLE | | 0 | 0 | 3,148 |
ISHARES RUSSELL MIDCAP VALUE | COM | 464287473 | 240,604 | 2,069 | SH | | SOLE | | 0 | 0 | 2,069 |
ISHARES S&P GLOBAL HEALTHCARE | COM | 464287325 | 2,140,163 | 24,679 | SH | | SOLE | | 0 | 0 | 24,679 |
ISHARES GLOBAL TECHNOLOGY | COM | 464287291 | 2,809,698 | 41,210 | SH | | SOLE | | 0 | 0 | 41,210 |
ISHARES MSCI NETHERLANDS | COM | 464286814 | 8,020,011 | 179,700 | SH | | SOLE | | 0 | 0 | 179,700 |
ISHARES MSCI SWEDEN | COM | 464286756 | 9,251,815 | 234,401 | SH | | SOLE | | 0 | 0 | 234,401 |
ISHARES MSCI SWITZERLAND | COM | 464286749 | 677,952 | 14,045 | SH | | SOLE | | 0 | 0 | 14,045 |
ISHARES MSCI CHILE INVESTABLE MARKET | COM | 464286640 | 2,367,468 | 83,923 | SH | | SOLE | | 0 | 0 | 83,923 |
ISHARES MSCI AUSTRIA | COM | 464286202 | 7,793,301 | 360,634 | SH | | SOLE | | 0 | 0 | 360,634 |
HONEYWELL INTERNATIONAL | COM | 438516106 | 352,523 | 1,681 | SH | | SOLE | | 0 | 0 | 1,681 |
HALEON PLC | COM | 405552100 | 151,391 | 18,395 | SH | | SOLE | | 0 | 0 | 18,395 |
GENMAB A/S | COM | 372303206 | 495,590 | 15,565 | SH | | SOLE | | 0 | 0 | 15,565 |
GENERAL DYNAMICS CORP | COM | 369550108 | 1,124,890 | 4,332 | SH | | SOLE | | 0 | 0 | 4,332 |
GATOS SILVER INC | COM | 368036109 | 196,200 | 30,000 | SH | | SOLE | | 0 | 0 | 30,000 |
GMS INC | COM | 36251C103 | 890,986 | 10,809 | SH | | SOLE | | 0 | 0 | 10,809 |
FRANKLIN FTSE AUSTRALIA ETF | COM | 35473P843 | 7,327,737 | 257,588 | SH | | SOLE | | 0 | 0 | 257,588 |
FRANKLIN FTSE SOUTH KOREA ETF | COM | 35473P710 | 2,700,292 | 119,008 | SH | | SOLE | | 0 | 0 | 119,008 |
FRANKLIN FTSE SWITZERLAND ETF | COM | 35473P694 | 8,239,525 | 248,558 | SH | | SOLE | | 0 | 0 | 248,558 |
FRANKLIN FTSE TAIWAN ETF | COM | 35473P686 | 7,043,237 | 170,500 | SH | | SOLE | | 0 | 0 | 170,500 |
FRANKLIN FTSE UNITED KINGDOM ETF | COM | 35473P678 | 219,943 | 8,747 | SH | | SOLE | | 0 | 0 | 8,747 |
FISERV INC | COM | 337738108 | 425,088 | 3,200 | SH | | SOLE | | 0 | 0 | 3,200 |
FIDELITY MSCI REAL ESTATE ETF | COM | 316092857 | 2,836,989 | 106,454 | SH | | SOLE | | 0 | 0 | 106,454 |
FIDELITY MSCI INFORMATION TECHNOLOGY ETF | COM | 316092808 | 1,276,105 | 8,884 | SH | | SOLE | | 0 | 0 | 8,884 |
FIDELITY MSCI HEALTH ETF | COM | 316092600 | 1,746,548 | 26,999 | SH | | SOLE | | 0 | 0 | 26,999 |
FIDELITY MSCI CONSUMER STAPLES ETF | COM | 316092303 | 2,409,217 | 53,982 | SH | | SOLE | | 0 | 0 | 53,982 |
META PLATFORMS INC | COM | 30303M102 | 1,587,865 | 4,486 | SH | | SOLE | | 0 | 0 | 4,486 |
EXXON MOBIL CORPORATION | COM | 30231G102 | 503,799 | 5,039 | SH | | SOLE | | 0 | 0 | 5,039 |
DISNEY WALT COMPANY DEL | COM | 254687106 | 348,855 | 3,864 | SH | | SOLE | | 0 | 0 | 3,864 |
DIMENSIONAL US CORE EQUITY 2 ETF | COM | 25434V708 | 297,532 | 10,179 | SH | | SOLE | | 0 | 0 | 10,179 |
DEERE & CO | COM | 244199105 | 331,892 | 830 | SH | | SOLE | | 0 | 0 | 830 |
COLUMBIA EMRG MKTS CORE EX-CHINA ETF | COM | 19762B202 | 14,105,699 | 465,996 | SH | | SOLE | | 0 | 0 | 465,996 |
COEUR D ALENE MINES CORP | COM | 192108504 | 32,600 | 10,000 | SH | | SOLE | | 0 | 0 | 10,000 |
COCA COLA CO | COM | 191216100 | 438,030 | 7,433 | SH | | SOLE | | 0 | 0 | 7,433 |
CHEVRONTEXACO CORP | COM | 166764100 | 261,776 | 1,755 | SH | | SOLE | | 0 | 0 | 1,755 |
CHENIERE ENERGY INC | COM | 16411R208 | 256,065 | 1,500 | SH | | SOLE | | 0 | 0 | 1,500 |
BERKSHIRE HATHAWAY CL B | COM | 084670702 | 400,886 | 1,124 | SH | | SOLE | | 0 | 0 | 1,124 |
BAUSCH HEALTH COS INC | COM | 071734107 | 156,599 | 19,526 | SH | | SOLE | | 0 | 0 | 19,526 |
BANK OF AMERICA CORP | COM | 060505104 | 210,976 | 6,266 | SH | | SOLE | | 0 | 0 | 6,266 |
AUTO DATA PROCESSING | COM | 053015103 | 311,015 | 1,335 | SH | | SOLE | | 0 | 0 | 1,335 |
ASTRAZENECA PLC ADR | COM | 046353108 | 869,286 | 12,907 | SH | | SOLE | | 0 | 0 | 12,907 |
APPLE COMPUTER INC | COM | 037833100 | 1,609,716 | 8,361 | SH | | SOLE | | 0 | 0 | 8,361 |
ELEVANCE HEALTH INC | COM | 036752103 | 309,343 | 656 | SH | | SOLE | | 0 | 0 | 656 |
AMAZON COM INC | COM | 023135106 | 1,590,052 | 10,465 | SH | | SOLE | | 0 | 0 | 10,465 |
ALPHABET INC CLASS A | COM | 02079K305 | 314,163 | 2,249 | SH | | SOLE | | 0 | 0 | 2,249 |
ALPHABET INC CLASS C | COM | 02079K107 | 251,701 | 1,786 | SH | | SOLE | | 0 | 0 | 1,786 |
ABBVIE INC | COM | 00287Y109 | 272,282 | 1,757 | SH | | SOLE | | 0 | 0 | 1,757 |